Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE
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  1. 9th September 2009 09:57 #1
    Blue Boo Blue Boo is offline
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    Default 1st Credit texts

    Hi all,

    I have just had a text from 1st crediticon offering 50% off if i pay in 2 installments. Last contact showing a balance figure was 15/04/09 £439.32.The thing is i am already paying them £5 per month by direct debiticon, so are they allowed to continue contacting me? and also how on earth could they get my mobile number????

    I had previously drafted a CCA for them (in an attempt to get my finances in order) but not posted yet due to illness.

    Thanks in advance for any advice

    BBoo

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  2. 9th September 2009 10:10 #2
    BankFodder BankFodder is offline
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    Default Re: 1st Credit texts

    Get the CCA of to them immediately. Do nothing else

    Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential.
    Please include a link to the post you want me to look at. If you have received a defence, contact me.
    Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
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  3. 9th September 2009 10:22 #3
    sam614 sam614 is offline
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    Default Re: 1st Credit texts

    hi blue

    change to standing order

    http://www.consumerforums.com/resour...esponse-letter

    send that with your cca request.

    pure greed.they are not happy with a fiver.

    go same route with these as lowells

    SAM

    SAMLOWELL DETESTER.

    SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.

    PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.
    OR IF I HAVE HELPED IN ANY WAY.
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  4. 9th September 2009 10:45 #4
    Blue Boo Blue Boo is offline
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    Default Re: 1st Credit texts

    Great - Will do...Many thanx to you both!

    BBoo

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  5. 9th September 2009 10:59 #5
    Blue Boo Blue Boo is offline
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    Default Re: 1st Credit texts

    Hi Sam,
    With the letter template should i state that they are already receiving regular payments and they should not be hounding me for more? I've heard i should not admit anything to them ( but they already know i am paying anyway, right?)
    Thanks
    BBoo

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  6. 12th September 2009 08:23 #6
    2Grumpy 2Grumpy is offline
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    Default Re: 1st Credit texts

    Quote Originally Posted by Blue Boo View Post
    Hi Sam,
    With the letter template should i state that they are already receiving regular payments and they should not be hounding me for more? I've heard i should not admit anything to them ( but they already know i am paying anyway, right?)
    Thanks
    BBoo
    No, stick to the template.

    You can send a copy of the harassment letter in the same envelope as well though

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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE